So how much you dumped into from iSinar?

3k in SAMY
2k in Wahed

Dump 3k when it's almost ATH. so it hurts when theres a correction haha

Hi everyone, I'm pretty new to SA but I've been following this thread for awhile.

I'm 25 years old, after 1 year+ of working, I'm able to save up to 5 figures till date (I'm able to save up to 50/60% of my salary monthly).

I'm considering keeping them in SA simple (I read that it's better than keeping it in FD (?) compared to just keeping in my bank account) & also start investing in SA. I do not have an FD account yet, hence I'm torn with either keeping my savings in SA simple or a high-yield savings account (still surveying that atm)

The recommended risk by the system for SA is not more than 18% for my first portfolio. I put it at 10% for now and have not made my first deposit yet.

If anyone has tips/suggestions on how I should go about it, feel free to share.

Thank you

i cut short bcoz many times been mention:

Save at least 3 months to 6 month salary (more accurate is perbelanjaan) as Emergency fund (unless u said my mom/dad is my emergency fund )
- may b 1 month in eFD (2 month oso can, up to u, important is easy to redeem, i choose eFD bcoz on the spot can get my money if i redeem through apps)
- balance 50% in money market fund (SAMY Simple) + 50% in Bond Fund

Extra money baru start invest, u wan in UT/SAMY/WAHED/MyTHeo/AKru/FSM/eunitrust/.............up to u
seen u still young, why dont just go with 2 portfolio, one is Risk 10% as u wish, one is 36% risk to test water
monthly dca without stop, after 1 or 2 year baru decide....



This post has been edited by ironman16: Jan 22 2021, 03:22 PM

i wont comment much on the SA risk levels as it's quite straightforward - higher risk higher return, higher losses

however for SA simple vs FD, net returns wise i dont see much of a difference. they are both low.

the advantage of SA simple however is that your money is a little more 'liquid' than FD. i.e it takes about a week to withdraw from simple with no lock in period. and dividents are issued once a month.

I've already saved 6 months as emergency fund and aim to save at least 1 year (no emergency fund from parents sadly haha) & I'll look into opening an eFD and consider your other suggestions too...

Thank you for the tips, appreciate it!

Yup, that's what I understood too....will probably keep some in SA in case I need to use it

if like this, dont afraid......kasi in high sikit punya risk (36%).......apa lu takut.....

no gain nvm, kasi 10 tahun i x percaya no gain.......jika no gain oso can throw in tong sampah sudah.....

10 tahun no gain , u tengok semua org tembak lo, u just ikut belakang sembur aje.....

What manager? There's no manager.. it's all automated

Almost 1 year since I invested in StashAway.

Continue to DCA smaller amounts?

if u dun wan continue DCA, what is ur plan?

redeem to cash?
redeem to SImple?
adjust ur risk?



u oledi achieve ur target? thats mean u oledi save 36k n wanna buy car/ go vacation/ kahwin ?

I didn't say I don't want to continue to DCA

Just bought car, can't go vacation, no fiancee

So no to all three hahaha

Continue DCA until rich like Elon Musk. easy

so u only can continue to DCA .......unless u wanna stop from SAMY oledi n may b invest etoro or else.....

u redeem/adjust risk, u will loss in forex.......unless u still wan ....

Transfer profit plus start DCA into new portfolio with 36% risk

Good idea?

😅😅😅
U will loss due to forex 2 times.
U try experiment it n compared after a few year.
Remember share here for out put

I don't remember adjusting risk will sell USD for MYR, vice versa. If it's like that, will there be USD/MYR forex risk?

My bad. 😝😝😝
Adjust no forex risk but u sell some etf u hold n buy some etf to balance according to ur target.
U might sell low buy high, or vice verse, no body know.
U can trt gamble if u feel ur lucky enough 😁😁😁😁

It’s 50/50 chance, just DCA and ride it out. Don’t micro-manage it.

Thats what i want to emphasise.
DCA aje, unless u achieve ur targets.